• A home insurance plan is an essential requirement throughout the year, but it becomes particularly important during the monsoon season as you need to ensure your property is safeguarded against various hazards. Continue reading to learn more.

Reasons why property insurance is important during monsoon

1. Structural coverage
Persistent, heavy rains and floods can severely damage the structure of your home. This can result in long-term issues, so it is important to have sufficient protection to address any problems as they arise. A strong home insurance policy can assist with this as it includes such protections.
2. Internal damage coverage
Likewise, rainwater infiltrating the house, dripping from the roof and dampening the walls, can create numerous issues during this season. Seek a comprehensive home insurance policy that thoroughly protects the interiors of your house to keep it properly safeguarded.
3. Coverage for your personal belongings
Certain homeowners and renter’s insurance policies include coverage for personal items such as antique furniture and valuable artwork within the home. For others, you may need to secure this coverage with a rider. Review the terms of your selected policy and determine how you can best protect your personal belongings under home insurance, as these are particularly susceptible to monsoon-related harm.
4. Natural calamity coverage
Floods, cyclones, etc. , are very common during this time of year. Almost all property insurance plans cover damages caused by natural disasters, making it a critical reason to invest in a reliable policy before the monsoon arrives. Properties are frequently damaged during this time, so ensure your home is secure with proper coverage from a reputable insurance provider.
5. Man-made hazard coverage
There is always the possibility of man-made dangers such as riots or acts of terrorism. To remain proactive, obtain the best building insurance coverage that provides protection against all such incidents. You can easily and conveniently safeguard your valuable home and its residents by selecting the most appropriate coverage.

The bottom line

Consider all the points mentioned above and secure the best homeowners insurance policy today. The rainy season can present significant challenges, so be ready and protect your property with a solid home insurance plan from a trusted insurer like HDFC Ergo.

Disclaimer: The above information is for illustrative purposes only. For further details, please consult the policy wordings and prospectus before finalizing the sale.